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It is critical to find out the APR (annual percentage rate), as this will enable you to compare one credit deal with another. Nevertheless, lots of salespeople will avoid talking about this rate, preferring to talk about the flat rate, which does not take account of fees or when the interest is paid, making the deal look less pricey. Make sure you find out the APR from them though, as this is the only proper method to compare the total cost with other forms of finance, such as a private loan. Ask the dealer for the total price of finance, including fees, interest and all other charges.

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